<ARTICLE> 9
<CIK> 0001058438
<NAME> CFS, BANCORP, INC.
<MULTIPLIER> 1,000

                             
<PERIOD-TYPE>                   6-MOS
<FISCAL-YEAR-END>                          DEC-31-1999
<PERIOD-START>                             JAN-01-1999
<PERIOD-END>                               JUN-30-1999
<CASH>                                          15,103
<INT-BEARING-DEPOSITS>                           1,417
<FED-FUNDS-SOLD>                                   100
<TRADING-ASSETS>                                     0
<INVESTMENTS-HELD-FOR-SALE>                    309,189
<INVESTMENTS-CARRYING>                         324,380
<INVESTMENTS-MARKET>                           318,420
<LOANS>                                        769,967
<ALLOWANCE>                                      5,685
<TOTAL-ASSETS>                               1,468,009
<DEPOSITS>                                     939,779
<SHORT-TERM>                                   279,597
<LIABILITIES-OTHER>                             30,647
<LONG-TERM>                                    279,592
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<COMMON>                                           232
<OTHER-SE>                                     217,759
<TOTAL-LIABILITIES-AND-EQUITY>               1,468,009
<INTEREST-LOAN>                                 27,821
<INTEREST-INVEST>                               22,286
<INTEREST-OTHER>                                   727
<INTEREST-TOTAL>                                50,834
<INTEREST-DEPOSIT>                              20,259
<INTEREST-EXPENSE>                              27,209
<INTEREST-INCOME-NET>                           23,625
<LOAN-LOSSES>                                      300
<SECURITIES-GAINS>                                  38
<EXPENSE-OTHER>                                 14,525
<INCOME-PRETAX>                                 11,561
<INCOME-PRE-EXTRAORDINARY>                      11,561
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     6,930
<EPS-BASIC>                                        .16
<EPS-DILUTED>                                      .16
<YIELD-ACTUAL>                                    7.07
<LOANS-NON>                                     11,809
<LOANS-PAST>                                         0
<LOANS-TROUBLED>                                 1,035
<LOANS-PROBLEM>                                 12,844
<ALLOWANCE-OPEN>                                 5,357
<CHARGE-OFFS>                                       20
<RECOVERIES>                                         7
<ALLOWANCE-CLOSE>                                5,685
<ALLOWANCE-DOMESTIC>                             5,685
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          5,583